State Bank of India
SBI Card Gold Credit Card
Classic Visa Gold tier with rewards, dining, and milestone benefits
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Mid-tier entry cardholder
- Dining and travel spender
-
What we like
- 2x rewards on dining and international spend
- Low ₹1 lakh waiver threshold
- Lower joining fee than Platinum tier
-
Watch out for
- ₹500 non-waiver joining fee
- Only 1x on retail (low earn rate)
- Standard 3.5% forex markup
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹3,00,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹3 lakh/yr · CIBIL 700+
Reward cap
Not explicitly stated
Welcome benefit
₹1,000 voucher on annual spends ≥ ₹1,00,000; ₹2,000 voucher on ≥ ₹2,00,000.
SBI Card Gold Credit Card review: classic Visa Gold tier with rewards on retail and dining spend, fuel surcharge waiver, complimentary milestone vouchers, and welcome benefits for mid-tier spenders.
Who is this for
- Mid-tier entry cardholder
- Dining and travel spender
What we like
- 2x rewards on dining and international spend
- Low ₹1 lakh waiver threshold
- Lower joining fee than Platinum tier
Watch out for
- ₹500 non-waiver joining fee
- Only 1x on retail (low earn rate)
- Standard 3.5% forex markup
Issuer
State Bank of India is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹1,00,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹1,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹500 and ₹3,000 (max ₹100/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| DINING | 2 Reward Points per ₹100 on dining; 2 Reward Points per ₹100 on international spend; 1 Reward Point per ₹100 on retai… | Not explicitly stated | Redeemable via SBI rewards portal |
| TRAVEL | 2.00 | — | 0.25 |
| All spends | 1.00 | — | 0.25 |
Benefits
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2x Rewards on Dining and International Highlight
2 Reward Points per ₹100 on dining and international spend.
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Milestone Vouchers
₹1,000 voucher on annual spends ≥ ₹1,00,000; ₹2,000 voucher on ≥ ₹2,00,000.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹500 and ₹3,000 (max ₹100/month).
-
Welcome Voucher
₹500 voucher on payment of joining fee.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹3,00,000
- Min. credit score
- 700+
- Score note
- Decent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
SBI Card Gold Credit Card is the classic Visa Gold tier below Platinum. It targets mid-tier spenders with rewards on dining and international spend, plus milestone vouchers.
Fees and rewards
- Joining fee: ₹500 (non-waiver)
- Annual fee: ₹500, waived on annual spends ≥ ₹1,00,000
- Rewards: 2 Reward Points per ₹100 on dining and international spend; 1 Reward Point per ₹100 on retail
- Forex markup: 3.50%
Benefits
- 2x rewards on dining and international spend
- ₹1,000 milestone voucher on ₹1 lakh spend; ₹2,000 on ₹2 lakh
- ₹500 welcome voucher
- 1% fuel surcharge waiver (max ₹100/month)
Eligibility
Minimum annual income ₹3,00,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the SBI Card Gold Credit Card apply walkthrough →
Apply for SBI Card Gold Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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